Credit & Settlement Risk Analyst (Portfolio Management)

Visa; Johannesburg; Hybrid; ZAR 200,000 - 300,000; Full time

Job summary

A leading financial services company is seeking a Credit & Settlement Risk Analyst to manage credit and settlement risks for clients in Sub-Saharan Africa. The ideal candidate will have 5-7 years of experience, a bachelor's degree, and strong analytical skills. This hybrid position requires excellent communication and problem-solving abilities. Join a dynamic team that supports Visa's strategic objectives.

Qualifications

• 5 to 7 years of experience in corporate credit analysis, sovereign risk or financial institutions.
• Strong written and verbal communication skills.
• Attention to detail and strong problem-solving skills.

Responsibilities

• Monitor and assess credit risks for clients.
• Conduct research on institutional and sovereign risks.
• Work closely with multiple areas of Visa to support strategic objectives.

Skills

Corporate credit analysis

Sovereign risk

Financial institutions

Analytical skills

Microsoft Office, especially Excel

Bilingual in English and French

Education

Bachelor's degree in business management, finance, accounting or related field

Job description

Overview

Join our CEMEA Risk team as a Credit & Settlement Risk (CSR) Analyst focusing on the Sub-Saharan African (SSA) region. As a CSR member you will be tasked with managing and mitigating credit and settlement risks for a diverse portfolio of clients in the SSA region. This involves comprehensive risk assessment, institutional and sovereign risk research, and collaboration with internal and external stakeholders to support Visa's strategic and operational objectives. This position reports directly to the CSR Lead for SSA.

Responsibilities

• Monitor and assess credit risks for existing and potential clients. Identify high-risk clients and take steps to protect Visa while spotting future market leaders.
• Conduct in-depth research and analysis on institutional and sovereign risks. This includes developing expert knowledge of the banking systems in which clients operate and understanding the credit and systemic risks inherent in those systems.
• Research countries and banks/companies to assist Visa in growing and developing its global market leadership.
• Effectively manage stress situations like client failures and outstanding settlement cases.
• Compile and analyze complex datasets producing informative reports using Excel graphs, pivot tables and presentations.
• Establish new clients in our internal risk monitoring tool, analyzing clients' volume trends in various systems to determine an appropriate level of decline/informational alerts.
• Provide excellent internal customer service to ensure SLAs are met in a timely and thoughtful manner.
• Support the overall CEMEA Risk Management and Regional Management in achieving specified strategic and operational objectives.
• Work closely with other diverse areas of Visa including Business Development, Strategic Partnership, Operations, Licensing, Legal, and Risk Management departments, as well as other regions and Global Credit Settlement Risk.

This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.

Qualifications

Were looking for a proactive quick learner who can work independently with minimal guidance. The ideal candidate will have:

• A bachelor's degree in business management, finance, accounting or a related field.
• 5 to 7 years of experience in corporate credit analysis, sovereign risk or financial institutions.
• Knowledge of the banking, fintech and payment industries.
• Strong written and verbal communication skills.
• Attention to detail and the ability to draw clear conclusions from data.
• Excellent analytical and problem-solving skills.
• Ability to manage multiple tasks and focus on results.
• The ability to work under pressure and handle stressful situations such as client failures and outstanding settlement cases.
• Readiness to respond to major risk matters outside regular hours.
• Excellent interpersonal and collaboration skills with a professional and mature approach to relationship management.
• Advanced Microsoft Office skills, particularly in Excel.
• Proficiency in French is a plus.
• To be successful in this role we are looking for someone who is flexible and independent with a strong sense of initiative and creativity. A good team player who is self-motivated and adept at working collaboratively with the rest of the team both globally and regionally is also highly desirable.

Remote Work: Employment Type: Full-time

Additional Information

Visa is an EEO Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.

Key Skills

ISO 27001, Microsoft Access, Risk Management, Financial Services, PCI, Risk Analysis, Analysis Skills, COBIT, NIST Standards, SOX, Information Security, Data Analysis Skills